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Overdraft Protection and Courtesy Pay

Get peace of mind knowing that your checks, ATM/CheckCard transactions and/or automatic withdrawals will be honored, despite an overdraft. As a service to our members, HCU offers Courtesy Pay and Overdraft Protection.

Overdraft Options:

Courtesy Pay

Courtesy Pay will save you the time, hassle and embarrassment of taking care of an NSF with the merchant. The cost of Courtesy Pay protection is $35 per item, far less than you would pay for most merchants fees. Plus, 

Recent changes in federal legislation (Regulation E) give members additional options regarding overdrafts. Members must give Heartland Credit Union authorization to pay overdrafts for the following types of transactions:

  • ATM transactions
  • Every Heartland Credit Union MasterCard¬© Check Card transaction

There are several ways to get started with Courtesy Pay:

Overdraft Protection

Automatic overdraft protection from your Savings, Money Market, and Money Management accounts allows the transfer of funds to clear checks. This can prevent return item fees and the embarrassment of returned checks. Checkline loans are also available to qualified members, providing a cushion for overdrawn accounts.

If you have any questions regarding changes in your overdraft privileges, call our phone center at 217-726-8877.